A nursing home in Colorado runs about $121,910 a year for a shared room, above the national median and far more than most families can pay out of pocket for long.CareScout. (n.d.). Cost of Long Term Care by State. carescout.com. Retrieved Jun 25, 2026, from https://www.carescout.com/cost-of-care What makes a long-term stay survivable for most residents is Health First Colorado, the state's Medicaid program, which pays for nursing-facility care as an entitlement for those who qualify.
This guide walks through what a nursing home is, how to check a facility's quality before you choose one, what it actually costs in Colorado, and how Health First Colorado pays for long-term nursing-facility care.
In This Guide
- Key Takeaways
- What a Nursing Home Is
- How to Check a Facility's Quality
- What a Nursing Home Costs in Colorado
- Does Health First Colorado Pay for Nursing Homes?
- Frequently Asked Questions
What a Nursing Home Is
In Colorado, a nursing home is a skilled nursing facility. It provides 24-hour licensed nursing care, help with daily activities like bathing and dressing, and rehabilitation services such as physical, occupational, and speech therapy. That round-the-clock nursing is the line that separates it from assisted living. An assisted living residence is built for people who need help with daily tasks but not constant skilled care. A nursing home exists for medical needs those settings can't meet, like managing a feeding tube, IV medications, or an open pressure wound.
People arrive at a nursing home along two different paths, and it's worth keeping them straight because they're paid for differently. The first is short-term rehabilitation, often after a hospital stay for a stroke, a fall, or surgery, where the goal is to recover and go home. Medicare helps with that short rehab stay under specific conditions, covering up to 100 days per benefit period after a qualifying three-day inpatient hospital stay, with full coverage for the first 20 days and a daily coinsurance starting on day 21.Centers for Medicare & Medicaid Services. (n.d.). SNF Care Coverage. medicare.gov. Retrieved Jun 23, 2026, from https://www.medicare.gov/coverage/skilled-nursing-facility-care The second path is long-term custodial care, where someone needs ongoing nursing and supervision they can't safely get at home. Medicare does not pay for that long-term custodial stay.Centers for Medicare & Medicaid Services. (n.d.). SNF Care Coverage. medicare.gov. Retrieved Jun 23, 2026, from https://www.medicare.gov/coverage/skilled-nursing-facility-care That's the care families worry about affording, and it's where Medicaid becomes the main payer.
How to Check a Facility's Quality
Quality varies widely from one nursing home to the next, and Colorado gives you several free tools to vet a place before you commit. Use more than one. Each shows you something the others don't.
Start with state oversight. Colorado nursing homes are licensed and inspected by CDPHE's Health Facilities and Emergency Medical Services Division, which also runs the federal certification surveys for Medicare- and Medicaid-certified facilities.Centers for Medicare & Medicaid Services. (n.d.). Find Healthcare Providers: Compare Care Near You. medicare.gov. Retrieved Jun 25, 2026, from https://www.medicare.gov/care-compare/ The division publishes inspection results, citations, and providers' plans of correction for the previous five years through its online Find and Compare Facilities tool. When you tour a facility, ask to see its most recent survey results and look for a pattern of repeat deficiencies rather than reacting to a single old citation.
Next, check the federal star rating on Medicare Care Compare. For every Medicare- and Medicaid-certified nursing home, the Centers for Medicare & Medicaid Services publishes an overall rating from 1 to 5 stars, where 5 means much above average and 1 means much below average.Centers for Medicare & Medicaid Services. (n.d.). Find Healthcare Providers: Compare Care Near You. medicare.gov. Retrieved Jun 25, 2026, from https://www.medicare.gov/care-compare/ That overall rating combines three things: health inspection results, staffing levels, and quality measures. The staffing component deserves a close look on its own, because how many nurses and aides a facility keeps per resident shapes day-to-day care more than almost anything else.
Finally, know who to call for help. Colorado's Long-Term Care Ombudsman program advocates for nursing-home residents and investigates complaints made by or on behalf of them, and you reach it through your local Area Agency on Aging.Centers for Medicare & Medicaid Services. (n.d.). Find Healthcare Providers: Compare Care Near You. medicare.gov. Retrieved Jun 25, 2026, from https://www.medicare.gov/care-compare/ A local ombudsman can be a candid, on-the-ground source of information about specific facilities in your area before you ever sign anything.
What a Nursing Home Costs in Colorado
Nursing-home care is expensive everywhere, and Colorado's rates run above the national median. According to the CareScout Cost of Care Survey, the 2025 statewide medians were about $121,910 a year (roughly $10,159 a month) for a semi-private room and about $146,183 a year (roughly $12,182 a month) for a private room.CareScout. (n.d.). Cost of Long Term Care by State. carescout.com. Retrieved Jun 25, 2026, from https://www.carescout.com/cost-of-care Both run above the national semi-private median of about $114,975.ltcfeds.gov. (2024). FLTCIP (ltcfeds.gov) - Costs of Long Term Care (FLTCIP 2024 Cost of Care Survey). Retrieved Jun 22, 2026, from https://www.ltcfeds.gov/long-term-care/costs These are medians from an industry survey, not government rates and not maximums, and the Denver metro and mountain-resort areas tend to cost more than rural counties. The figure at any one facility can land higher or lower depending on location, room type, and level of care.
| Room type | Colorado (year) | Colorado (month) | National (year) |
|---|---|---|---|
| Semi-private room | $121,910 | $10,159 | $114,975 |
| Private room | $146,183 | $12,182 | $129,575 |
To put that in context, the same 2025 survey put Colorado assisted living at a median of about $79,005 a year, roughly $6,584 a month.CareScout. (n.d.). Cost of Long Term Care by State. carescout.com. Retrieved Jun 25, 2026, from https://www.carescout.com/cost-of-care A semi-private nursing-home room costs well over half again as much. The gap is the reason families look hard at whether assisted living or in-home care can meet the need before moving to a nursing home, and at these prices it's the reason most long-term nursing-home residents in Colorado end up relying on Health First Colorado rather than paying privately for years.
Does Health First Colorado Pay for Nursing Homes?
Yes, and this is the single most important thing to understand about paying for a Colorado nursing home. Health First Colorado is the state's Medicaid program, administered by the Department of Health Care Policy and Financing (HCPF).Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Implementation Guide: Individuals in Institutions Eligible Under a Special Income Level (42 C.F.R. 435.1005). medicaid.gov. Retrieved Jun 25, 2026, from https://www.medicaid.gov/resources-for-states/downloads/macpro-ig-individuals-in-institutions-eligible-under-a-special-income-level.pdf It covers nursing-facility care when the person meets a nursing-facility level of care and the financial rules. For those who qualify, nursing-facility coverage is an entitlement, meaning there's no waiting list for it the way there can be for home and community-based waiver services.
Qualifying turns on two findings that run on separate tracks. Here's how the pieces fit together.
Level of care. A clinical assessment confirms that you medically need a nursing-facility level of care.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Implementation Guide: Individuals in Institutions Eligible Under a Special Income Level (42 C.F.R. 435.1005). medicaid.gov. Retrieved Jun 25, 2026, from https://www.medicaid.gov/resources-for-states/downloads/macpro-ig-individuals-in-institutions-eligible-under-a-special-income-level.pdf This is the medical side of eligibility, separate from the money side below.
The financial test. For 2026, institutional eligibility uses an income limit of about $2,982 a month (300% of the SSI federal benefit rate) and a resource limit of $2,000 for a single person, or $3,000 for a couple.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Implementation Guide: Individuals in Institutions Eligible Under a Special Income Level (42 C.F.R. 435.1005). medicaid.gov. Retrieved Jun 25, 2026, from https://www.medicaid.gov/resources-for-states/downloads/macpro-ig-individuals-in-institutions-eligible-under-a-special-income-level.pdf Colorado is an income-cap state, but being over the cap doesn't shut you out: an applicant whose gross income exceeds $2,982 a month must set up an income trust (Colorado's term for a Qualified Income Trust, also called a Miller Trust) and deposit the excess into it each month, naming HCPF as the remainder beneficiary.Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf A nursing-facility resident on Health First Colorado keeps a personal needs allowance of $110.36 a month, one of the higher state allowances.Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf A married couple with one spouse staying in the community is protected by spousal-impoverishment rules, which let that community spouse keep a share of the couple's resources and income. Because the financial rules depend on your household and can change, confirm the current figures with HCPF before you apply.
How to apply. You can apply for Health First Colorado online through Colorado PEAK, at a county human-services office, or by phone through the Member Contact Center at 1-800-221-3943.Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf A social worker at the nursing facility can often help you start the paperwork, and the clinical level-of-care assessment runs on a separate track from the financial application, so it helps to begin both as soon as a long-term stay looks likely rather than waiting for Medicare's short-term coverage to run out.Centers for Medicare & Medicaid Services. (n.d.). SNF Care Coverage. medicare.gov. Retrieved Jun 23, 2026, from https://www.medicare.gov/coverage/skilled-nursing-facility-care
Care outside a nursing home. Colorado also pays for long-term care in other settings through Home and Community-Based Services waivers, principally the HCBS waiver for the Elderly, Blind, and Disabled (HCBS-EBD), which can cover care in your own home or a community setting instead of a nursing facility.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Implementation Guide: Individuals in Institutions Eligible Under a Special Income Level (42 C.F.R. 435.1005). medicaid.gov. Retrieved Jun 25, 2026, from https://www.medicaid.gov/resources-for-states/downloads/macpro-ig-individuals-in-institutions-eligible-under-a-special-income-level.pdf Unlike nursing-facility coverage, those waiver slots can be limited, so the home-based option is not always available the moment you need it.
Look-back and estate recovery. A five-year look-back applies to asset transfers, so gifts or below-market transfers made in the five years before applying can trigger a penalty period. After death, Colorado pursues Medicaid estate recovery for long-term-care benefits it paid, under state and federal rules.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Implementation Guide: Individuals in Institutions Eligible Under a Special Income Level (42 C.F.R. 435.1005). medicaid.gov. Retrieved Jun 25, 2026, from https://www.medicaid.gov/resources-for-states/downloads/macpro-ig-individuals-in-institutions-eligible-under-a-special-income-level.pdf Exemptions and a federally required undue-hardship waiver exist, so recovery is not automatic in every case.
Frequently Asked Questions
How much does a nursing home cost in Colorado?
The CareScout 2025 Cost of Care Survey put Colorado's median at about $121,910 a year (roughly $10,159 a month) for a semi-private room and about $146,183 a year (roughly $12,182 a month) for a private room.CareScout. (n.d.). Cost of Long Term Care by State. carescout.com. Retrieved Jun 25, 2026, from https://www.carescout.com/cost-of-care Those are statewide medians from an industry survey, not maximums, and both run above the national median. Denver-area and mountain-resort facilities tend to cost more than rural ones.
Does Health First Colorado pay for nursing home care?
Yes. Health First Colorado, the state's Medicaid program, pays for nursing-facility care for people who meet a nursing-facility level of care and the financial rules, and for those who qualify this coverage is an entitlement.Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Implementation Guide: Individuals in Institutions Eligible Under a Special Income Level (42 C.F.R. 435.1005). medicaid.gov. Retrieved Jun 25, 2026, from https://www.medicaid.gov/resources-for-states/downloads/macpro-ig-individuals-in-institutions-eligible-under-a-special-income-level.pdf The state also covers some long-term care outside a nursing home through HCBS waivers like HCBS-EBD, though those slots can be limited.
How do I qualify for Health First Colorado for a nursing home?
Eligibility has two parts that run separately. A clinical assessment approves the nursing-facility level of care, and the financial side uses a 2026 income limit of about $2,982 a month and a $2,000 asset limit for a single person ($3,000 for a couple).Centers for Medicare & Medicaid Services. (n.d.). Medicaid.gov - Implementation Guide: Individuals in Institutions Eligible Under a Special Income Level (42 C.F.R. 435.1005). medicaid.gov. Retrieved Jun 25, 2026, from https://www.medicaid.gov/resources-for-states/downloads/macpro-ig-individuals-in-institutions-eligible-under-a-special-income-level.pdf Spousal-impoverishment protections let a spouse who stays in the community keep a share of the couple's resources and income. Confirm the current figures with HCPF before applying.
Does Medicare pay for a nursing home in Colorado?
Only for short-term rehab, not long-term custodial care. Medicare Part A covers up to 100 days of skilled nursing facility care per benefit period after a qualifying three-day inpatient hospital stay, with full coverage for the first 20 days and a daily coinsurance after that.Centers for Medicare & Medicaid Services. (n.d.). SNF Care Coverage. medicare.gov. Retrieved Jun 23, 2026, from https://www.medicare.gov/coverage/skilled-nursing-facility-care It does not pay for long-term custodial nursing-home care, which is the care most families need to fund through private pay, long-term care insurance, or Health First Colorado.
How do I apply for Health First Colorado for a nursing home?
Apply online through Colorado PEAK, at a county human-services office, or by phone at 1-800-221-3943; a facility social worker can often help you start.Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf If your income is over the $2,982 monthly cap, you set up an income (Miller) trust and deposit the excess each month rather than being disqualified.Centers for Medicare & Medicaid Services. (2026). CMS CMCS Informational Bulletin — Updated 2026 SSI and Spousal Impoverishment Standards (April 27, 2026). medicaid.gov. Retrieved Jul 10, 2026, from https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf Begin the financial application and the clinical level-of-care assessment as soon as a long-term stay looks likely, since Medicare's coverage runs out after at most 100 days.Centers for Medicare & Medicaid Services. (n.d.). SNF Care Coverage. medicare.gov. Retrieved Jun 23, 2026, from https://www.medicare.gov/coverage/skilled-nursing-facility-care
How do I check whether a Colorado nursing home is good?
Check the facility's 1-to-5-star overall rating on Medicare Care Compare, paying attention to the staffing component, and review its license and survey history through CDPHE's Find and Compare Facilities tool.Centers for Medicare & Medicaid Services. (n.d.). Find Healthcare Providers: Compare Care Near You. medicare.gov. Retrieved Jun 25, 2026, from https://www.medicare.gov/care-compare/ You can also contact Colorado's Long-Term Care Ombudsman program, reached through your local Area Agency on Aging, for on-the-ground information about specific facilities and to report concerns.
Learn More
Find personalized help comparing nursing homes in Colorado at brevy.com.
The information on Brevy.com is for educational purposes only and is not a substitute for professional legal, financial, or medical advice. Rules vary by state and program and change frequently. Always verify with the relevant agency or a qualified professional. Brevy is not a law firm, financial advisor, or healthcare provider.